Which Return is better?

in term of calculating return from property investment, there are few types of return:

1) Yield (all know about this already)

2) Cash on cash return

3) net operating income

4) capitalization rate

5) Payback or Return of Investment

Do a google search and study above 5 term used.

Then do a homework,to calculate below:

1) Yield

2) Cash on cash return

3) Payback or Return of Investment

4) Capital appreciation after 5 years

Compare scenario A & B below when you have RM400K on hand:

Scenario A:

5 unit with RM80K each buy with cash:

Monthly Installment=0

Rental = 500

Capital appreciation is 5% per year.

Scenario B:

10 units of 400K, loan 90% (max),Down payment 10% each unit. 

Monthly Installment=1800

Rental = 1900

Capital appreciation is 5% per year.

Scenario C:

10 units of 400K, loan 90% (max),Down payment 10% each unit. 

Monthly Installment=1800

Rental = 1600

Capital appreciation is 5% per year.

I do not do any calculations yet and also do not have the answer.

Let do this as practice and see what will be the GOOD choice for debate purpose.